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If you're using AOL BB then your IP is allocated via PPPOE hence the 195.* address under WAN settings and a 169.* via straightforward DHCP (as you are not authorised to get an ntl IP address. As far as anyone in the outside world is concerned you are an aol customer and there is no link to ntl unlike say virgin/tesco dial up where you get allocated a ntli.net IP adddress.
If you open up a command window and do ipconfig /all your default gateway should also be showing as a 195.*
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